{"id":3708,"date":"2026-09-26T21:15:08","date_gmt":"2026-09-26T19:15:08","guid":{"rendered":"https:\/\/studentinsurance.pl\/?p=3708"},"modified":"2026-09-26T21:15:08","modified_gmt":"2026-09-26T19:15:08","slug":"lam-the-nao-de-chon-thoi-han-hop-dong-bao-hiem-khi-ban-chua-biet-ngay-ra-quyet-dinh-ve-the-cu-tru","status":"publish","type":"post","link":"https:\/\/studentinsurance.pl\/vi\/poradnik\/karta-pobytu\/jak-dobrac-okres-polisy-gdy-nie-znasz-daty-decyzji-o-karcie-pobytu\/","title":{"rendered":"L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ch\u1ecdn th\u1eddi h\u1ea1n h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m khi b\u1ea1n ch\u01b0a bi\u1ebft ng\u00e0y ra quy\u1ebft \u0111\u1ecbnh v\u1ec1 th\u1ebb c\u01b0 tr\u00fa?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n kh\u00f4ng bi\u1ebft ch\u00ednh x\u00e1c ng\u00e0y ra quy\u1ebft \u0111\u1ecbnh trong v\u1ee5 vi\u1ec7c c\u1ee7a m\u00ecnh, \u0111\u1eebng ghi ng\u00e0y d\u1ef1 ki\u1ebfn l\u00e0 ng\u00e0y ch\u1eafc ch\u1eafn. Th\u1eddi h\u1ea1n h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00ean \u0111\u01b0\u1ee3c l\u1ef1a ch\u1ecdn d\u1ef1a tr\u00ean th\u00f4ng tin m\u00e0 b\u1ea1n c\u00f3 th\u1ec3 ki\u1ec3m tra trong c\u00e1c t\u00e0i li\u1ec7u c\u1ee7a m\u00ecnh, c\u0169ng nh\u01b0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 c\u1ee7a g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u00f3. Ch\u1ec9 ri\u00eang d\u1ef1 \u0111o\u00e1n v\u1ec1 th\u1eddi \u0111i\u1ec3m k\u1ebft th\u00fac th\u1ee7 t\u1ee5c t\u1ed1 t\u1ee5ng kh\u00f4ng \u0111\u1ea3m b\u1ea3o r\u1eb1ng b\u1ea1n s\u1ebd c\u1ea7n b\u1ea3o hi\u1ec3m ch\u00ednh x\u00e1c \u0111\u1ebfn ng\u00e0y \u0111\u00f3.<\/p>\n\n\n\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\">M\u1ee5c l\u1ee5c<\/h2>\n\n\n\n<ol class=\"wp-block-list\"><li><a href=\"#dlaczego-nie-warto-zgadywac-daty-decyzji\">T\u1ea1i sao kh\u00f4ng n\u00ean \u0111o\u00e1n ng\u00e0y ra quy\u1ebft \u0111\u1ecbnh<\/a><\/li>\n<li><a href=\"#jak-uporzadkowac-dostepne-daty\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 s\u1eafp x\u1ebfp c\u00e1c d\u1eef li\u1ec7u c\u00f3 s\u1eb5n<\/a><\/li>\n<li><a href=\"#jak-dobrac-okres-ubezpieczenia\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ch\u1ecdn th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m<\/a><\/li>\n<li><a href=\"#co-sprawdzic-w-polisie-i-owu\">Nh\u1eefng \u0111i\u1ec1u c\u1ea7n ki\u1ec3m tra trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung<\/a><\/li>\n<li><a href=\"#praktyczna-checklista-przed-zakupem\">Danh s\u00e1ch ki\u1ec3m tra thi\u1ebft th\u1ef1c tr\u01b0\u1edbc khi mua h\u00e0ng<\/a><\/li>\n<li><a href=\"#co-zrobic-przed-koncem-ochrony\">C\u1ea7n l\u00e0m g\u00ec tr\u01b0\u1edbc khi h\u1ebft h\u1ea1n b\u1ea3o hi\u1ec3m<\/a><\/li>\n<li><a href=\"#najczestsze-bledy\">Nh\u1eefng l\u1ed7i th\u01b0\u1eddng g\u1eb7p nh\u1ea5t<\/a><\/li>\n<li><a href=\"#faq\">C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p<\/a><\/li><\/ol>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"dlaczego-nie-warto-zgadywac-daty-decyzji\">T\u1ea1i sao kh\u00f4ng n\u00ean \u0111o\u00e1n ng\u00e0y ra quy\u1ebft \u0111\u1ecbnh<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Th\u1eddi gian ch\u1edd \u0111\u1ee3i c\u00f3 th\u1ec3 kh\u00f4ng tr\u00f9ng kh\u1edbp v\u1edbi k\u1ebf ho\u1ea1ch \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1ed1ng nh\u1ea5t tr\u01b0\u1edbc \u0111\u00f3. Do \u0111\u00f3, th\u1eddi h\u1ea1n d\u1ef1 ki\u1ebfn kh\u00f4ng n\u00ean t\u1ef1 \u0111\u1ed9ng \u0111\u01b0\u1ee3c coi l\u00e0 th\u1eddi \u0111i\u1ec3m h\u1ebft hi\u1ec7u l\u1ef1c c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. N\u1ebfu b\u1ea1n ch\u01b0a bi\u1ebft ng\u00e0y ra quy\u1ebft \u0111\u1ecbnh, h\u00e3y coi \u0111\u00f3 l\u00e0 m\u1ed9t t\u00ecnh hu\u1ed1ng c\u1ea7n \u0111\u01b0\u1ee3c x\u00e1c minh sau n\u00e0y, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t m\u1ed1c th\u1eddi gian c\u1ed1 \u0111\u1ecbnh.<\/p>\n\n\n\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>\u26a0\ufe0f L\u01b0u \u00fd quan tr\u1ecdng: Th\u1eddi h\u1ea1n d\u1ef1 ki\u1ebfn kh\u00f4ng ph\u1ea3i l\u00e0 ng\u00e0y ch\u00ednh x\u00e1c.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng. Trong c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a ERGO \u0111\u00e3 \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn, c\u00f3 n\u00eau r\u00f5 r\u1eb1ng ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u00e1p d\u1ee5ng cho c\u00e1c s\u1ef1 ki\u1ec7n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ph\u00e1t sinh trong th\u1eddi h\u1ea1n tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m. V\u00ec l\u00fd do n\u00e0y, qu\u00fd kh\u00e1ch c\u1ea7n ki\u1ec3m tra trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m Chung (OWU) t\u01b0\u01a1ng \u1ee9ng. <strong>th\u1eddi \u0111i\u1ec3m b\u1eaft \u0111\u1ea7u tr\u00e1ch nhi\u1ec7m theo h\u1ee3p \u0111\u1ed3ng<\/strong>, th\u1eddi h\u1ea1n c\u1ee7a n\u00f3 c\u0169ng nh\u01b0 c\u00e1c \u0111i\u1ec1u ki\u1ec7n \u00e1p d\u1ee5ng cho ph\u01b0\u01a1ng \u00e1n \u0111\u00f3.<\/p>\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1eebng cho r\u1eb1ng kho\u1ea3ng th\u1eddi gian \u0111\u00e3 ch\u1ecdn s\u1ebd \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn trong m\u1ed9t tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3 li\u00ean quan \u0111\u1ebfn vi\u1ec7c c\u01b0 tr\u00fa. N\u1ebfu kh\u00f4ng c\u00f3 b\u1eb1ng ch\u1ee9ng ch\u00ednh th\u1ee9c li\u00ean quan \u0111\u1ebfn tr\u01b0\u1eddng h\u1ee3p \u0111\u00f3, kh\u00f4ng th\u1ec3 h\u1ee9a h\u1eb9n r\u1eb1ng t\u00e0i li\u1ec7u s\u1ebd \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn, c\u0169ng nh\u01b0 kh\u00f4ng th\u1ec3 kh\u1eb3ng \u0111\u1ecbnh r\u1eb1ng m\u1ed9t kho\u1ea3ng th\u1eddi gian c\u1ee5 th\u1ec3 s\u1ebd ph\u00f9 h\u1ee3p v\u1edbi m\u1ecdi ng\u01b0\u1eddi. Tr\u01b0\u1edbc khi \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh <strong>ki\u1ec3m tra th\u00f4ng tin ch\u00ednh th\u1ee9c, c\u1eadp nh\u1eadt li\u00ean quan tr\u1ef1c ti\u1ebfp \u0111\u1ebfn v\u1ee5 vi\u1ec7c c\u1ee7a b\u1ea1n<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-uporzadkowac-dostepne-daty\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 s\u1eafp x\u1ebfp c\u00e1c d\u1eef li\u1ec7u c\u00f3 s\u1eb5n<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y b\u1eaft \u0111\u1ea7u b\u1eb1ng c\u00e1ch ph\u00e2n bi\u1ec7t th\u00f4ng tin \u0111\u01b0\u1ee3c ghi trong c\u00e1c t\u00e0i li\u1ec7u v\u1edbi nh\u1eefng d\u1ef1 \u0111o\u00e1n c\u1ee7a ri\u00eang b\u1ea1n. N\u1ebfu b\u1ea1n c\u00f3 t\u00e0i li\u1ec7u ho\u1eb7c gi\u1ea5y x\u00e1c nh\u1eadn, h\u00e3y ki\u1ec3m tra ng\u00e0y th\u00e1ng ghi tr\u00ean \u0111\u00f3. N\u1ebfu t\u00e0i li\u1ec7u n\u00eau r\u00f5 th\u1eddi h\u1ea1n li\u00ean quan \u0111\u1ebfn t\u00ecnh hu\u1ed1ng c\u1ee7a b\u1ea1n, h\u00e3y ghi l\u1ea1i th\u1eddi h\u1ea1n \u0111\u00f3 c\u00f9ng v\u1edbi t\u00ean t\u00e0i li\u1ec7u \u0111\u1ec3 tr\u00e1nh ph\u1ea3i ch\u1ec9 d\u1ef1a v\u00e0o tr\u00ed nh\u1edb trong t\u01b0\u01a1ng lai.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t chu\u1ed7i c\u00e1c b\u01b0\u1edbc c\u00f3 \u0111i\u1ec1u ki\u1ec7n \u0111\u01a1n gi\u1ea3n c\u00f3 th\u1ec3 s\u1ebd h\u1eefu \u00edch:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_75fb194352c9f31e_0:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_75fb194352c9f31e_0 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_75fb194352c9f31e_0 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_75fb194352c9f31e_0 .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_75fb194352c9f31e_0 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-itemswriter_75fb194352c9f31e_0 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_75fb194352c9f31e_0 ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_75fb194352c9f31e_0 .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_75fb194352c9f31e_0 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_75fb194352c9f31e_0 .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-itemswriter_75fb194352c9f31e_0 kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop kt-tablet-svg-icon-list-columns-1 kt-mobile-svg-icon-list-columns-1\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-writer_75fb194352c9f31e_0_1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-writer_75fb194352c9f31e_0_1 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-writer_75fb194352c9f31e_0_1 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">N\u1ebfu b\u1ea1n \u0111ang c\u00f3 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, h\u00e3y ki\u1ec3m tra th\u00f4ng tin ghi tr\u00ean \u0111\u00f3 <strong>ng\u00e0y b\u1eaft \u0111\u1ea7u v\u00e0 ng\u00e0y k\u1ebft th\u00fac th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m<\/strong>;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-writer_75fb194352c9f31e_0_2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-writer_75fb194352c9f31e_0_2 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-writer_75fb194352c9f31e_0_2 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">n\u1ebfu b\u1ea1n c\u00f3 gi\u1ea5y x\u00e1c nh\u1eadn \u0111\u00e3 n\u1ed9p h\u1ed3 s\u01a1, h\u00e3y ki\u1ec3m tra ng\u00e0y ghi tr\u00ean \u0111\u00f3 v\u00e0 gi\u1eef l\u1ea1i gi\u1ea5y x\u00e1c nh\u1eadn;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-writer_75fb194352c9f31e_0_3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-writer_75fb194352c9f31e_0_3 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-writer_75fb194352c9f31e_0_3 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">n\u1ebfu t\u00e0i li\u1ec7u n\u00eau r\u00f5 th\u1eddi h\u1ea1n th\u1ef1c hi\u1ec7n m\u1ed9t ho\u1ea1t \u0111\u1ed9ng c\u1ee5 th\u1ec3, h\u00e3y ghi l\u1ea1i ch\u00ednh x\u00e1c nh\u01b0 \u0111\u00e3 \u0111\u01b0\u1ee3c n\u00eau;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-writer_75fb194352c9f31e_0_4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-writer_75fb194352c9f31e_0_4 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-writer_75fb194352c9f31e_0_4 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">n\u1ebfu b\u1ea1n c\u00f3 gi\u1ea5y t\u1edd li\u00ean quan \u0111\u1ebfn th\u1eddi gian l\u01b0u tr\u00fa cho \u0111\u1ebfn nay, h\u00e3y ki\u1ec3m tra ng\u00e0y ghi tr\u00ean \u0111\u00f3 m\u00e0 kh\u00f4ng t\u1ef1 \u00fd ghi th\u00eam ng\u00e0y d\u1ef1 ki\u1ebfn ra quy\u1ebft \u0111\u1ecbnh;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-writer_75fb194352c9f31e_0_5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-writer_75fb194352c9f31e_0_5 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-writer_75fb194352c9f31e_0_5 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">N\u1ebfu b\u1ea1n kh\u00f4ng bi\u1ebft ng\u00e0y ra quy\u1ebft \u0111\u1ecbnh, h\u00e3y \u0111\u00e1nh d\u1ea5u th\u00f4ng tin n\u00e0y l\u00e0 c\u1ea7n ki\u1ec3m tra l\u1ea1i sau.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">S\u1ef1 ph\u00e2n chia n\u00e0y gi\u00fap ph\u00e2n bi\u1ec7t <strong>c\u00e1c s\u1ef1 ki\u1ec7n \u0111\u01b0\u1ee3c ghi ch\u00e9p trong c\u00e1c t\u00e0i li\u1ec7u<\/strong> so v\u1edbi c\u00e1c gi\u1ea3 \u0111\u1ecbnh ban \u0111\u1ea7u. Tuy nhi\u00ean, \u0111i\u1ec1u n\u00e0y kh\u00f4ng x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c th\u1eddi h\u1ea1n h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ea7n thi\u1ebft trong tr\u01b0\u1eddng h\u1ee3p c\u1ee7a b\u1ea1n. N\u00f3 ch\u1ec9 nh\u1eb1m gi\u00fap b\u1ea1n \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh s\u00e1ng su\u1ed1t h\u01a1n v\u00e0 h\u1ea1n ch\u1ebf r\u1ee7i ro r\u1eb1ng d\u1ef1 \u0111o\u00e1n \u0111\u00f3 s\u1ebd b\u1ecb coi l\u00e0 th\u00f4ng tin \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e1c nh\u1eadn.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-dobrac-okres-ubezpieczenia\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ch\u1ecdn th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Vi\u1ec7c l\u1ef1a ch\u1ecdn th\u1eddi h\u1ea1n h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u00f2i h\u1ecfi ph\u1ea3i c\u00e2n nh\u1eafc hai y\u1ebfu t\u1ed1: s\u1ef1 kh\u00f4ng ch\u1eafc ch\u1eafn v\u1ec1 di\u1ec5n bi\u1ebfn ti\u1ebfp theo c\u1ee7a v\u1ee5 vi\u1ec7c v\u00e0 c\u00e1c \u0111i\u1ec1u ki\u1ec7n c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m hi\u1ec7n c\u00f3. Kh\u00f4ng c\u00f3 c\u01a1 s\u1edf n\u00e0o \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh m\u1ed9t th\u1eddi h\u1ea1n chung ph\u00f9 h\u1ee3p cho m\u1ecdi ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u0111ang ch\u1edd c\u1ea5p th\u1ebb c\u01b0 tr\u00fa.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc ti\u00ean, h\u00e3y x\u00e1c \u0111\u1ecbnh xem b\u1ea1n th\u1ef1c s\u1ef1 c\u1ea7n b\u1ea3o hi\u1ec3m t\u1eeb khi n\u00e0o. N\u1ebfu b\u1ea1n \u0111\u00e3 c\u00f3 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, h\u00e3y ki\u1ec3m tra ng\u00e0y h\u1ebft h\u1ea1n ghi tr\u00ean h\u1ee3p \u0111\u1ed3ng c\u0169ng nh\u01b0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n tr\u00e1ch nhi\u1ec7m \u0111\u01b0\u1ee3c n\u00eau trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) c\u1ee7a h\u1ee3p \u0111\u1ed3ng \u0111\u00f3. <strong>\u0110\u1eebng nh\u1ea7m l\u1eabn kho\u1ea3ng th\u1eddi gian ghi tr\u00ean h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u1edbi ph\u1ea1m vi b\u1ea3o hi\u1ec3m<\/strong> \u2014 Ph\u1ea1m vi, gi\u1edbi h\u1ea1n v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p mi\u1ec5n tr\u1eeb l\u00e0 nh\u1eefng y\u1ebfu t\u1ed1 ri\u00eang bi\u1ec7t trong h\u1ee3p \u0111\u1ed3ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ti\u1ebfp theo, h\u00e3y c\u00e2n nh\u1eafc th\u1eddi gian b\u1ea1n mu\u1ed1n duy tr\u00ec b\u1ea3o hi\u1ec3m, \u0111\u1ed3ng th\u1eddi l\u01b0u \u00fd r\u1eb1ng b\u1ea1n kh\u00f4ng bi\u1ebft ch\u00ednh x\u00e1c th\u1eddi \u0111i\u1ec3m v\u1ee5 vi\u1ec7c s\u1ebd k\u1ebft th\u00fac. Th\u1eddi h\u1ea1n d\u00e0i h\u01a1n c\u00f3 th\u1ec3 gi\u1ea3m b\u1edbt nhu c\u1ea7u ph\u1ea3i mua l\u1ea1i b\u1ea3o hi\u1ec3m g\u1ea5p, nh\u01b0ng kh\u00f4ng \u0111\u1ea3m b\u1ea3o r\u1eb1ng h\u1ed3 s\u01a1 s\u1ebd \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn hay v\u1ee5 vi\u1ec7c s\u1ebd c\u00f3 k\u1ebft qu\u1ea3 c\u1ee5 th\u1ec3 n\u00e0o. Ng\u01b0\u1ee3c l\u1ea1i, th\u1eddi h\u1ea1n ng\u1eafn h\u01a1n \u0111\u00f2i h\u1ecfi b\u1ea1n ph\u1ea3i theo d\u00f5i k\u1ef9 l\u01b0\u1ee1ng h\u01a1n th\u1eddi \u0111i\u1ec3m b\u1ea3o hi\u1ec3m h\u1ebft hi\u1ec7u l\u1ef1c.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) c\u1ee7a Uniqa, m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m ph\u1ee5 thu\u1ed9c, trong s\u1ed1 c\u00e1c y\u1ebfu t\u1ed1 kh\u00e1c, v\u00e0o <strong>th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m, ph\u1ea1m vi b\u1ea3o hi\u1ec3m v\u00e0 m\u1ee9c b\u1ea3o hi\u1ec3m<\/strong>. \u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 th\u1eddi h\u1ea1n h\u1ee3p \u0111\u1ed3ng kh\u00f4ng n\u00ean \u0111\u01b0\u1ee3c xem x\u00e9t t\u00e1ch bi\u1ec7t v\u1edbi c\u00e1c \u0111i\u1ec1u kho\u1ea3n kh\u00e1c. Khi so s\u00e1nh c\u00e1c ph\u01b0\u01a1ng \u00e1n c\u00f3 s\u1eb5n, b\u1ea1n kh\u00f4ng ch\u1ec9 n\u00ean ch\u00fa \u00fd \u0111\u1ebfn th\u1eddi h\u1ea1n m\u00e0 c\u00f2n c\u1ea7n xem x\u00e9t ph\u1ea1m vi d\u1ecbch v\u1ee5 m\u00e0 b\u1ea1n nh\u1eadn \u0111\u01b0\u1ee3c c\u0169ng nh\u01b0 c\u00e1c gi\u1edbi h\u1ea1n tr\u00e1ch nhi\u1ec7m \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-sprawdzic-w-polisie-i-owu\">Nh\u1eefng \u0111i\u1ec1u c\u1ea7n ki\u1ec3m tra trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m th\u01b0\u1eddng n\u00eau r\u00f5 c\u00e1c th\u00f4ng tin ch\u00ednh c\u1ee7a h\u1ee3p \u0111\u1ed3ng, tuy nhi\u00ean c\u00e1c quy \u0111\u1ecbnh chi ti\u1ebft \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) v\u00e0 \u2014 t\u00f9y thu\u1ed9c v\u00e0o s\u1ea3n ph\u1ea9m \u2014 trong c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3. Trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) \u0111\u00e3 \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn c\u1ee7a Compensa, c\u00f3 n\u00eau r\u00f5 r\u1eb1ng <strong>Ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u1ee5 th\u1ec3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong c\u00e1c \u0111i\u1ec1u kho\u1ea3n<\/strong>, v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb ch\u1ec9 \u00e1p d\u1ee5ng cho th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan. Do \u0111\u00f3, ch\u1ec9 d\u1ef1a v\u00e0o t\u00ean g\u1ecdi c\u1ee7a s\u1ea3n ph\u1ea9m l\u00e0 ch\u01b0a \u0111\u1ee7 \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 ph\u1ea1m vi b\u1ea3o hi\u1ec3m th\u1ef1c t\u1ebf.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi l\u1ef1a ch\u1ecdn, tr\u01b0\u1edbc h\u1ebft h\u00e3y ki\u1ec3m tra:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_405054b5afe4e5a1_1:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_405054b5afe4e5a1_1 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_405054b5afe4e5a1_1 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_405054b5afe4e5a1_1 .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_405054b5afe4e5a1_1 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-itemswriter_405054b5afe4e5a1_1 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_405054b5afe4e5a1_1 ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_405054b5afe4e5a1_1 .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_405054b5afe4e5a1_1 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_405054b5afe4e5a1_1 .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-itemswriter_405054b5afe4e5a1_1 kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop kt-tablet-svg-icon-list-columns-1 kt-mobile-svg-icon-list-columns-1\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-writer_405054b5afe4e5a1_1_1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-writer_405054b5afe4e5a1_1_1 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-writer_405054b5afe4e5a1_1_1 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c ghi trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-writer_405054b5afe4e5a1_1_2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-writer_405054b5afe4e5a1_1_2 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-writer_405054b5afe4e5a1_1_2 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">c\u00e1c quy \u0111\u1ecbnh x\u00e1c \u0111\u1ecbnh th\u1eddi \u0111i\u1ec3m b\u1eaft \u0111\u1ea7u v\u00e0 k\u1ebft th\u00fac tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-writer_405054b5afe4e5a1_1_3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-writer_405054b5afe4e5a1_1_3 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-writer_405054b5afe4e5a1_1_3 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">ph\u1ea1m vi chi ph\u00ed \u0111i\u1ec1u tr\u1ecb \u0111\u01b0\u1ee3c bao g\u1ed3m trong ph\u01b0\u01a1ng \u00e1n \u0111\u00e3 ch\u1ecdn;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-writer_405054b5afe4e5a1_1_4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-writer_405054b5afe4e5a1_1_4 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-writer_405054b5afe4e5a1_1_4 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5<\/strong>;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-writer_405054b5afe4e5a1_1_5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-writer_405054b5afe4e5a1_1_5 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-writer_405054b5afe4e5a1_1_5 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">c\u00e1c \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 \u0111\u01b0\u1ee3c chi tr\u1ea3 tr\u1ee3 c\u1ea5p;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-writer_405054b5afe4e5a1_1_6 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-writer_405054b5afe4e5a1_1_6 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-writer_405054b5afe4e5a1_1_6 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">c\u00e1c gi\u1edbi h\u1ea1n v\u00e0 tr\u01b0\u1eddng h\u1ee3p mi\u1ec5n tr\u1eeb tr\u00e1ch nhi\u1ec7m;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-writer_405054b5afe4e5a1_1_7 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-writer_405054b5afe4e5a1_1_7 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-writer_405054b5afe4e5a1_1_7 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">c\u00e1c nguy\u00ean t\u1eafc \u1ee9ng ph\u00f3 khi x\u1ea3y ra s\u1ef1 c\u1ed1.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a TUZ Ubezpieczenia \u0111\u00e3 \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn quy \u0111\u1ecbnh r\u00f5 r\u00e0ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n chi tr\u1ea3 quy\u1ec1n l\u1ee3i c\u0169ng nh\u01b0 c\u00e1c gi\u1edbi h\u1ea1n v\u00e0 tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb tr\u00e1ch nhi\u1ec7m. \u0110\u00e2y l\u00e0 m\u1ed9t l\u01b0u \u00fd quan tr\u1ecdng r\u1eb1ng <strong>Ch\u1ec9 ri\u00eang vi\u1ec7c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f2n hi\u1ec7u l\u1ef1c c\u0169ng kh\u00f4ng \u0111\u1ea3m b\u1ea3o vi\u1ec7c chi tr\u1ea3<\/strong>. \u0110\u1ec3 \u0111\u01b0\u1ee3c chi tr\u1ea3 kho\u1ea3n tr\u1ee3 c\u1ea5p, s\u1ef1 ki\u1ec7n \u0111\u00f3 ph\u1ea3i \u0111\u00e1p \u1ee9ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng, \u0111\u1ed3ng th\u1eddi c\u00e1c gi\u1edbi h\u1ea1n \u0111\u01b0\u1ee3c n\u00eau trong h\u1ee3p \u0111\u1ed3ng c\u0169ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1c gi\u1edbi h\u1ea1n c\u0169ng c\u00f3 \u00fd ngh\u0129a quan tr\u1ecdng. Trong \u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung (OWU) c\u1ee7a ERGO, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m l\u00e0 gi\u1edbi h\u1ea1n tr\u00e1ch nhi\u1ec7m \u0111\u1ed1i v\u1edbi t\u1eebng s\u1ef1 ki\u1ec7n v\u00e0 t\u1ea5t c\u1ea3 c\u00e1c s\u1ef1 ki\u1ec7n trong th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m, c\u00f3 t\u00ednh \u0111\u1ebfn c\u00e1c gi\u1edbi h\u1ea1n ph\u1ee5 t\u01b0\u01a1ng \u1ee9ng. Trong \u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung (OWU) c\u1ee7a Uniqa, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, s\u1ed1 ti\u1ec1n b\u1ea3o l\u00e3nh v\u00e0 c\u00e1c gi\u1edbi h\u1ea1n ph\u1ee5 c\u1ee7a ch\u00fang l\u00e0 <strong>gi\u1edbi h\u1ea1n tr\u00e1ch nhi\u1ec7m t\u1ed1i \u0111a<\/strong> v\u00e0 \u0111\u01b0\u1ee3c tr\u1eeb \u0111i c\u00e1c kho\u1ea3n tr\u1ee3 c\u1ea5p ho\u1eb7c b\u1ed3i th\u01b0\u1eddng \u0111\u00e3 chi tr\u1ea3. Gi\u00e1 tr\u1ecb c\u1ee7a c\u00e1c kho\u1ea3n n\u00e0y \u0111\u01b0\u1ee3c n\u00eau r\u00f5 trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 b\u1ea3ng c\u00e1c ph\u01b0\u01a1ng \u00e1n trong \u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1eebng \u00e1p d\u1ee5ng nh\u1eefng nguy\u00ean t\u1eafc n\u00e0y m\u1ed9t c\u00e1ch m\u00e1y m\u00f3c cho m\u1ecdi \u0111\u1ec1 xu\u1ea5t. <strong>H\u00e3y tham kh\u1ea3o c\u00e1c t\u00e0i li\u1ec7u li\u00ean quan \u0111\u1ebfn s\u1ea3n ph\u1ea9m v\u00e0 phi\u00ean b\u1ea3n c\u1ee5 th\u1ec3<\/strong>, m\u00e0 b\u1ea1n \u0111ang c\u00e2n nh\u1eafc. H\u00e3y ki\u1ec3m tra th\u00eam trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) t\u01b0\u01a1ng \u1ee9ng \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh th\u1eddi \u0111i\u1ec3m b\u1eaft \u0111\u1ea7u tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m. \u0110\u1eebng ch\u1ec9 d\u1ef1a v\u00e0o vi\u1ec7c s\u1edf h\u1eefu t\u00e0i li\u1ec7u, \u0111i\u1ec1n v\u00e0o m\u1eabu \u0111\u01a1n hay th\u1ef1c hi\u1ec7n thanh to\u00e1n \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh th\u1eddi \u0111i\u1ec3m \u0111\u00f3.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"praktyczna-checklista-przed-zakupem\">Danh s\u00e1ch ki\u1ec3m tra thi\u1ebft th\u1ef1c tr\u01b0\u1edbc khi mua h\u00e0ng<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng, h\u00e3y th\u1ef1c hi\u1ec7n m\u1ed9t s\u1ed1 b\u01b0\u1edbc c\u1ee5 th\u1ec3 sau:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_eda000bcf3ed2bbf_2:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_eda000bcf3ed2bbf_2 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_eda000bcf3ed2bbf_2 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_eda000bcf3ed2bbf_2 .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_eda000bcf3ed2bbf_2 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-itemswriter_eda000bcf3ed2bbf_2 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_eda000bcf3ed2bbf_2 ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_eda000bcf3ed2bbf_2 .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_eda000bcf3ed2bbf_2 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_eda000bcf3ed2bbf_2 .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-itemswriter_eda000bcf3ed2bbf_2 kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop kt-tablet-svg-icon-list-columns-1 kt-mobile-svg-icon-list-columns-1\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-writer_eda000bcf3ed2bbf_2_1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-writer_eda000bcf3ed2bbf_2_1 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-writer_eda000bcf3ed2bbf_2_1 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">N\u1ebfu b\u1ea1n \u0111ang c\u00f3 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f2n hi\u1ec7u l\u1ef1c, h\u00e3y ki\u1ec3m tra ng\u00e0y h\u1ebft h\u1ea1n ghi tr\u00ean \u0111\u00f3 v\u00e0 <strong>\u0110\u1eebng \u0111\u1ec3 l\u1ee1 h\u1ea1n ch\u00f3t n\u00e0y<\/strong>.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-writer_eda000bcf3ed2bbf_2_2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-writer_eda000bcf3ed2bbf_2_2 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-writer_eda000bcf3ed2bbf_2_2 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">N\u1ebfu b\u1ea1n c\u00f3 t\u00e0i li\u1ec7u ho\u1eb7c gi\u1ea5y x\u00e1c nh\u1eadn, h\u00e3y ki\u1ec3m tra ng\u00e0y th\u00e1ng ghi tr\u00ean \u0111\u00f3 v\u00e0 gi\u1eef l\u1ea1i m\u1ed9t b\u1ea3n sao r\u00f5 r\u00e0ng.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-writer_eda000bcf3ed2bbf_2_3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-writer_eda000bcf3ed2bbf_2_3 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-writer_eda000bcf3ed2bbf_2_3 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">N\u1ebfu t\u00e0i li\u1ec7u n\u00eau r\u00f5 m\u1ed9t m\u1ed1c th\u1eddi gian quan tr\u1ecdng \u0111\u1ed1i v\u1edbi ho\u00e0n c\u1ea3nh c\u1ee7a b\u1ea1n, h\u00e3y ghi l\u1ea1i m\u1ed1c th\u1eddi gian \u0111\u00f3 v\u00e0o l\u1ecbch m\u00e0 kh\u00f4ng thay th\u1ebf b\u1eb1ng d\u1ef1 \u0111o\u00e1n c\u1ee7a ri\u00eang b\u1ea1n.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-writer_eda000bcf3ed2bbf_2_4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-writer_eda000bcf3ed2bbf_2_4 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-writer_eda000bcf3ed2bbf_2_4 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">N\u1ebfu b\u1ea1n kh\u00f4ng bi\u1ebft ng\u00e0y ra quy\u1ebft \u0111\u1ecbnh, \u0111\u1eebng ch\u1ec9 d\u1ef1a v\u00e0o ng\u00e0y d\u1ef1 ki\u1ebfn k\u1ebft th\u00fac v\u1ee5 vi\u1ec7c \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh th\u1eddi \u0111i\u1ec3m h\u1ebft hi\u1ec7u l\u1ef1c c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-writer_eda000bcf3ed2bbf_2_5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-writer_eda000bcf3ed2bbf_2_5 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-writer_eda000bcf3ed2bbf_2_5 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">N\u1ebfu b\u1ea1n \u0111ang c\u00e2n nh\u1eafc m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee5 th\u1ec3, h\u00e3y ki\u1ec3m tra n\u1ed9i dung c\u1ee7a h\u1ee3p \u0111\u1ed3ng \u0111\u00f3 v\u00e0 c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) <strong>Th\u1eddi \u0111i\u1ec3m b\u1eaft \u0111\u1ea7u v\u00e0 k\u1ebft th\u00fac tr\u00e1ch nhi\u1ec7m<\/strong>.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-writer_eda000bcf3ed2bbf_2_6 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-writer_eda000bcf3ed2bbf_2_6 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-writer_eda000bcf3ed2bbf_2_6 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Khi l\u1ef1a ch\u1ecdn m\u1ed9t g\u00f3i b\u1ea3o hi\u1ec3m, h\u00e3y ki\u1ec3m tra ph\u1ea1m vi b\u1ea3o hi\u1ec3m, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5, c\u00e1c \u0111i\u1ec1u ki\u1ec7n h\u1ea1n ch\u1ebf v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb c\u1ee7a g\u00f3i \u0111\u00f3.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-writer_eda000bcf3ed2bbf_2_7 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-writer_eda000bcf3ed2bbf_2_7 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-writer_eda000bcf3ed2bbf_2_7 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">N\u1ebfu b\u1ea1n \u0111\u00e3 c\u00f3 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tr\u01b0\u1edbc \u0111\u00f3, h\u00e3y so s\u00e1nh th\u1eddi \u0111i\u1ec3m h\u1ebft h\u1ea1n c\u1ee7a h\u1ee3p \u0111\u1ed3ng \u0111\u00f3 v\u1edbi th\u1eddi \u0111i\u1ec3m b\u1eaft \u0111\u1ea7u tr\u00e1ch nhi\u1ec7m b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong c\u00e1c t\u00e0i li\u1ec7u c\u1ee7a h\u1ee3p \u0111\u1ed3ng m\u1edbi.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-writer_eda000bcf3ed2bbf_2_8 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-writer_eda000bcf3ed2bbf_2_8 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-writer_eda000bcf3ed2bbf_2_8 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">N\u1ebfu b\u1ea1n ch\u01b0a c\u00f3 x\u00e1c nh\u1eadn v\u1ec1 c\u00e1c y\u00eau c\u1ea7u hi\u1ec7n h\u00e0nh li\u00ean quan \u0111\u1ebfn v\u1ee5 vi\u1ec7c c\u1ee7a b\u1ea1n, <strong>\u0110\u1eebng cho r\u1eb1ng ch\u1ec9 vi\u1ec7c mua h\u00e0ng th\u00f4i l\u00e0 \u0111\u00e3 gi\u1ea3i quy\u1ebft xong v\u1ea5n \u0111\u1ec1 n\u00e0y<\/strong>.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Danh s\u00e1ch n\u00e0y kh\u00f4ng thay th\u1ebf n\u1ed9i dung h\u1ee3p \u0111\u1ed3ng hay c\u00e1c th\u00f4ng tin ch\u00ednh th\u1ee9c. Tuy nhi\u00ean, n\u00f3 gi\u00fap tr\u00e1nh vi\u1ec7c \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh ch\u1ec9 d\u1ef1a tr\u00ean m\u1ed9t ng\u00e0y kh\u00f4ng ch\u1eafc ch\u1eafn.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-zrobic-przed-koncem-ochrony\">C\u1ea7n l\u00e0m g\u00ec tr\u01b0\u1edbc khi h\u1ebft h\u1ea1n b\u1ea3o hi\u1ec3m<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n c\u00f3 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, h\u00e3y \u0111\u1eb7t l\u1eddi nh\u1eafc tr\u01b0\u1edbc ng\u00e0y h\u1ebft h\u1ea1n ghi tr\u00ean h\u1ee3p \u0111\u1ed3ng. <strong>\u0110\u1eebng ch\u1edd \u0111\u1ebfn ng\u00e0y cu\u1ed1i c\u00f9ng<\/strong>, \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 l\u1ea1i t\u00ecnh h\u00ecnh c\u1ee7a m\u00ecnh. \u0110\u00e2y l\u00e0 m\u1ed9t c\u00e1ch thi\u1ebft th\u1ef1c \u0111\u1ec3 kh\u00f4ng b\u1ecf l\u1ee1 th\u1eddi h\u1ea1n v\u00e0 kh\u00f4ng ph\u1ea3i \u0111\u1ebfn khi s\u1ef1 vi\u1ec7c \u0111\u00e3 x\u1ea3y ra m\u1edbi nh\u1eadn ra.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Khi \u0111\u00e1nh gi\u00e1 l\u1ea1i, h\u00e3y ki\u1ec3m tra xem c\u00f3 t\u00e0i li\u1ec7u m\u1edbi n\u00e0o xu\u1ea5t hi\u1ec7n hay kh\u00f4ng. N\u1ebfu b\u1ea1n c\u00f3 t\u00e0i li\u1ec7u ho\u1eb7c x\u00e1c nh\u1eadn m\u1edbi, h\u00e3y ki\u1ec3m tra ng\u00e0y ghi tr\u00ean \u0111\u00f3. N\u1ebfu t\u00e0i li\u1ec7u \u0111\u00f3 n\u00eau r\u00f5 th\u1eddi h\u1ea1n li\u00ean quan \u0111\u1ebfn t\u00ecnh hu\u1ed1ng c\u1ee7a b\u1ea1n, h\u00e3y so s\u00e1nh th\u1eddi h\u1ea1n \u0111\u00f3 v\u1edbi th\u1eddi h\u1ea1n c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m hi\u1ec7n t\u1ea1i. N\u1ebfu b\u1ea1n v\u1eabn ch\u01b0a bi\u1ebft ng\u00e0y ra quy\u1ebft \u0111\u1ecbnh, h\u00e3y xem x\u00e9t l\u1ea1i th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m, \u0111\u1ed3ng th\u1eddi kh\u00f4ng n\u00ean coi d\u1ef1 b\u00e1o \u0111\u00f3 l\u00e0 \u0111i\u1ec1u ch\u1eafc ch\u1eafn.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea1n c\u0169ng n\u00ean ki\u1ec3m tra xem h\u1ee3p \u0111\u1ed3ng ti\u1ebfp theo c\u00f3 duy tr\u00ec ph\u1ea1m vi c\u1ea7n thi\u1ebft hay kh\u00f4ng. <strong>S\u1ef1 li\u00ean t\u1ee5c v\u1ec1 th\u1eddi gian kh\u00f4ng t\u1ef1 \u0111\u1ed9ng \u0111\u1ed3ng ngh\u0129a v\u1edbi s\u1ef1 li\u00ean t\u1ee5c c\u1ee7a t\u1ea5t c\u1ea3 c\u00e1c \u0111i\u1ec1u ki\u1ec7n<\/strong>. H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m m\u1edbi c\u00f3 th\u1ec3 c\u00f3 c\u00e1c \u0111i\u1ec1u kho\u1ea3n, ph\u1ea1m vi b\u1ea3o hi\u1ec3m, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 ho\u1eb7c c\u00e1c \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb kh\u00e1c. H\u00e3y \u0111\u00e1nh gi\u00e1 t\u1eebng h\u1ee3p \u0111\u1ed3ng d\u1ef1a tr\u00ean c\u00e1c t\u00e0i li\u1ec7u c\u1ee5 th\u1ec3 c\u1ee7a h\u1ee3p \u0111\u1ed3ng \u0111\u00f3.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"najczestsze-bledy\">Nh\u1eefng l\u1ed7i th\u01b0\u1eddng g\u1eb7p nh\u1ea5t<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sai l\u1ea7m \u0111\u1ea7u ti\u00ean l\u00e0 ghi ng\u00e0y d\u1ef1 ki\u1ebfn k\u1ebft th\u00fac v\u1ee5 vi\u1ec7c nh\u01b0 m\u1ed9t m\u1ed1c th\u1eddi gian ch\u1eafc ch\u1eafn. Ng\u00e0y n\u00e0y sau n\u00e0y c\u00f3 th\u1ec3 tr\u1edf th\u00e0nh c\u01a1 s\u1edf cho c\u00e1c gi\u1ea3 \u0111\u1ecbnh ti\u1ebfp theo, m\u1eb7c d\u00f9 n\u00f3 kh\u00f4ng xu\u1ea5t ph\u00e1t t\u1eeb t\u00e0i li\u1ec7u.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sai l\u1ea7m th\u1ee9 hai l\u00e0 ch\u1ec9 ch\u00fa \u00fd \u0111\u1ebfn th\u1eddi h\u1ea1n c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. <strong>Th\u1eddi h\u1ea1n b\u1ea3o h\u1ed9 ch\u1ec9 l\u00e0 m\u1ed9t trong nh\u1eefng th\u00f4ng s\u1ed1<\/strong>. Ph\u1ea1m vi \u00e1p d\u1ee5ng, m\u1ee9c gi\u1edbi h\u1ea1n, m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5, c\u00e1c \u0111i\u1ec1u ki\u1ec7n chi tr\u1ea3 v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7 c\u0169ng quan tr\u1ecdng kh\u00f4ng k\u00e9m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sai l\u1ea7m th\u1ee9 ba l\u00e0 cho r\u1eb1ng vi\u1ec7c s\u1edf h\u1eefu h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 trong m\u1ecdi t\u00ecnh hu\u1ed1ng. Tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ee5 thu\u1ed9c v\u00e0o c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng, v\u00e0 c\u00e1c quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c n\u00eau trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u0169ng nh\u01b0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ed5 sung.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sai l\u1ea7m th\u1ee9 t\u01b0 l\u00e0 t\u1ef1 \u0111\u1ed9ng cho r\u1eb1ng h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m m\u1edbi c\u00f3 hi\u1ec7u l\u1ef1c ch\u1ec9 v\u00ec m\u1eabu \u0111\u01a1n \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111i\u1ec1n \u0111\u1ea7y \u0111\u1ee7, gi\u1ea5y t\u1edd \u0111\u00e3 \u0111\u01b0\u1ee3c c\u1ea5p ho\u1eb7c kho\u1ea3n thanh to\u00e1n \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n. <strong>H\u00e3y ki\u1ec3m tra th\u1eddi \u0111i\u1ec3m b\u1eaft \u0111\u1ea7u ch\u1ecbu tr\u00e1ch nhi\u1ec7m trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) c\u00f3 li\u00ean quan<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sai l\u1ea7m th\u1ee9 n\u0103m l\u00e0 tr\u00ec ho\u00e3n vi\u1ec7c ki\u1ec3m tra l\u1ea1i c\u00e1c t\u00e0i li\u1ec7u. N\u1ebfu b\u1ea1n c\u00f3 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, h\u00e3y t\u1eadn d\u1ee5ng th\u00f4ng b\u00e1o nh\u1eafc nh\u1edf tr\u01b0\u1edbc ng\u00e0y h\u1ee3p \u0111\u1ed3ng h\u1ebft h\u1ea1n v\u00e0 xem x\u00e9t l\u1ea1i t\u00ecnh h\u00ecnh s\u1edbm \u0111\u1ee7 th\u1eddi gian.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"faq\">C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p<\/h2>\n\n\n\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"wp-block-heading\">T\u00f4i c\u00f3 th\u1ec3 nh\u1eadp ng\u00e0y d\u1ef1 ki\u1ebfn ra quy\u1ebft \u0111\u1ecbnh l\u00e0m ng\u00e0y ch\u1eafc ch\u1eafn \u0111\u01b0\u1ee3c kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. N\u1ebfu b\u1ea1n kh\u00f4ng bi\u1ebft ch\u00ednh x\u00e1c ng\u00e0y ra quy\u1ebft \u0111\u1ecbnh, \u0111\u1eebng tr\u00ecnh b\u00e0y nh\u1eefng d\u1ef1 \u0111o\u00e1n nh\u01b0 th\u1ec3 \u0111\u00f3 l\u00e0 th\u00f4ng tin \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e1c nh\u1eadn. N\u1ebfu b\u1ea1n c\u00f3 t\u00e0i li\u1ec7u ho\u1eb7c gi\u1ea5y x\u00e1c nh\u1eadn, h\u00e3y ki\u1ec3m tra ng\u00e0y ghi tr\u00ean \u0111\u00f3. V\u1ec1 c\u00e1c y\u00eau c\u1ea7u, h\u00e3y x\u00e1c minh th\u00f4ng tin ch\u00ednh th\u1ee9c v\u00e0 c\u1eadp nh\u1eadt c\u00f3 li\u00ean quan tr\u1ef1c ti\u1ebfp \u0111\u1ebfn v\u1ee5 vi\u1ec7c c\u1ee7a b\u1ea1n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Li\u1ec7u th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m d\u00e0i h\u01a1n c\u00f3 \u0111\u1ea3m b\u1ea3o r\u1eb1ng t\u00e0i li\u1ec7u \u0111\u00f3 s\u1ebd \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn hay kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng th\u1ec3 \u0111\u1ea3m b\u1ea3o \u0111i\u1ec1u n\u00e0y ch\u1ec9 d\u1ef1a tr\u00ean th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m. <strong>Th\u1eddi gian d\u00e0i h\u01a1n kh\u00f4ng ph\u1ea3i l\u00e0 l\u1eddi h\u1ee9a v\u1ec1 s\u1ef1 ch\u1ea5p nh\u1eadn<\/strong> c\u0169ng nh\u01b0 k\u1ebft qu\u1ea3 c\u1ee5 th\u1ec3 c\u1ee7a v\u1ee5 vi\u1ec7c. Khi \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh, h\u00e3y xem x\u00e9t c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng v\u00e0 ch\u1ec9 \u0111\u00e1nh gi\u00e1 c\u00e1c y\u00eau c\u1ea7u d\u1ef1a tr\u00ean th\u00f4ng tin ch\u00ednh th\u1ee9c, c\u1eadp nh\u1eadt li\u00ean quan tr\u1ef1c ti\u1ebfp \u0111\u1ebfn v\u1ee5 vi\u1ec7c c\u1ee7a b\u1ea1n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ng\u00e0y ghi tr\u00ean h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 \u0111\u1ee7 \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh th\u1eddi \u0111i\u1ec3m b\u1eaft \u0111\u1ea7u hi\u1ec7u l\u1ef1c b\u1ea3o hi\u1ec3m kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng n\u00ean d\u1ef1a v\u00e0o m\u1ed9t ng\u00e0y duy nh\u1ea5t \u0111\u1ec3 \u0111\u01b0a ra k\u1ebft lu\u1eadn nh\u01b0 v\u1eady. N\u1ebfu b\u1ea1n c\u00f3 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, h\u00e3y ki\u1ec3m tra c\u00e1c th\u00f4ng tin ghi tr\u00ean \u0111\u00f3, sau \u0111\u00f3 \u0111\u1ecdc k\u1ef9 c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) t\u01b0\u01a1ng \u1ee9ng. <strong>Th\u1eddi \u0111i\u1ec3m b\u1eaft \u0111\u1ea7u ch\u1ecbu tr\u00e1ch nhi\u1ec7m theo h\u1ee3p \u0111\u1ed3ng \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng<\/strong>, c\u00f3 th\u1ec3 bao g\u1ed3m nhi\u1ec1u y\u1ebfu t\u1ed1 h\u01a1n so v\u1edbi ch\u1ec9 kho\u1ea3ng th\u1eddi gian \u0111\u01b0\u1ee3c ghi tr\u00ean v\u0103n b\u1ea3n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m c\u00f3 \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng ri\u00eang cho t\u1eebng s\u1ef1 c\u1ed1 kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u n\u00e0y ph\u1ee5 thu\u1ed9c v\u00e0o c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 c\u1ee7a h\u1ee3p \u0111\u1ed3ng. Trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a ERGO \u0111\u00e3 \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m l\u00e0 m\u1ee9c gi\u1edbi h\u1ea1n \u00e1p d\u1ee5ng cho t\u1eebng s\u1ef1 ki\u1ec7n v\u00e0 t\u1ea5t c\u1ea3 c\u00e1c s\u1ef1 ki\u1ec7n trong th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m, c\u00f3 t\u00ednh \u0111\u1ebfn c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5. Trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a Uniqa \u0111\u00e3 \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 l\u00e0 c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n t\u1ed1i \u0111a v\u1ec1 tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng v\u00e0 s\u1ebd gi\u1ea3m \u0111i t\u01b0\u01a1ng \u1ee9ng v\u1edbi c\u00e1c kho\u1ea3n ti\u1ec1n \u0111\u00e3 chi tr\u1ea3. <strong>H\u00e3y lu\u00f4n ki\u1ec3m tra c\u00e1c quy t\u1eafc c\u1ee7a bi\u1ebfn th\u1ec3 m\u00e0 b\u1ea1n \u0111ang ch\u01a1i.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ph\u1ea3i l\u00e0m g\u00ec n\u1ebfu th\u1eddi h\u1ea1n c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m hi\u1ec7n t\u1ea1i s\u1eafp h\u1ebft?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n \u0111ang s\u1edf h\u1eefu m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f2n hi\u1ec7u l\u1ef1c, h\u00e3y ki\u1ec3m tra ng\u00e0y h\u1ebft h\u1ea1n ghi tr\u00ean \u0111\u00f3 v\u00e0 thi\u1ebft l\u1eadp l\u1eddi nh\u1eafc tr\u01b0\u1edbc. \u0110\u1ed1i v\u1edbi c\u00e1c h\u1ee3p \u0111\u1ed3ng m\u1edbi, h\u00e3y ki\u1ec3m tra k\u1ef9 c\u00e1c ng\u00e0y ghi tr\u00ean \u0111\u00f3. Sau \u0111\u00f3, h\u00e3y ph\u00e2n t\u00edch k\u1ef9 l\u01b0\u1ee1ng th\u1eddi h\u1ea1n hi\u1ec7u l\u1ef1c, ph\u1ea1m vi b\u1ea3o hi\u1ec3m, m\u1ee9c gi\u1edbi h\u1ea1n v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb trong h\u1ee3p \u0111\u1ed3ng ti\u1ebfp theo \u2013 \u0111\u1eebng t\u1ef1 \u0111\u1ed9ng cho r\u1eb1ng c\u00e1c \u0111i\u1ec1u kho\u1ea3n s\u1ebd v\u1eabn gi\u1eef nguy\u00ean.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/studentinsurance.pl\/vi\/chi-phi-dieu-tri-cho-nguoi-nuoc-ngoai-klc\/\">Ki\u1ec3m tra b\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb<\/a><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>N\u1ebfu b\u1ea1n kh\u00f4ng bi\u1ebft ch\u00ednh x\u00e1c ng\u00e0y ra quy\u1ebft \u0111\u1ecbnh v\u1ec1 v\u1ee5 vi\u1ec7c c\u1ee7a m\u00ecnh, \u0111\u1eebng ghi ng\u00e0y d\u1ef1 ki\u1ebfn nh\u01b0 m\u1ed9t ng\u00e0y ch\u1eafc ch\u1eafn. Th\u1eddi h\u1ea1n c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00ean \u0111\u01b0\u1ee3c l\u1ef1a ch\u1ecdn d\u1ef1a tr\u00ean\u2026<\/p>","protected":false},"author":1,"featured_media":3707,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[13],"tags":[25,24,27,23,28,26],"class_list":["post-3708","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-karta-pobytu","tag-decyzja-pobytowa","tag-karta-pobytu","tag-koszty-leczenia-cudzoziemca","tag-okres-polisy","tag-owu","tag-ubezpieczenie-cudzoziemca"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Jak dobra\u0107 okres polisy przy oczekiwaniu na kart\u0119 pobytu?<\/title>\n<meta name=\"description\" content=\"Sprawd\u017a, jak oddzieli\u0107 daty z dokument\u00f3w od przewidywa\u0144 i co zweryfikowa\u0107 w polisie oraz OWU przed wyborem okresu ochrony.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/studentinsurance.pl\/vi\/huong-dan\/the-cu-tru\/lam-the-nao-de-chon-thoi-han-hop-dong-bao-hiem-khi-ban-chua-biet-ngay-ra-quyet-dinh-ve-the-cu-tru\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Jak dobra\u0107 okres polisy przy oczekiwaniu na kart\u0119 pobytu?\" \/>\n<meta property=\"og:description\" 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